2803 Regatta Dr
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
25% of that payment is not the mortgage. The HOA fee alone is $32,040 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,950.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($36,995). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-10-08 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($534 in 2026), not enough for a trend yet. The listing shows $534/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- In-unit W/D
- Garage parking
- Low HOA (0.9%/yr)
- Newer build (2005)
⚠️ Cons
- Verify HOA docs & condition in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 15, 2026 — Listed $739,900
Description
Water views, soaring ceilings, and walls of natural light set the tone for this beautifully updated 3 bedroom, 2 bath end-unit condo along the peaceful Oakland-Alameda Estuary. Large bay windows frame views of the waterway, creating a striking backdrop for the open, airy living spaces. Fresh paint, new carpeting, and newly refinished hardwood floors add to the home’s bright, move-in-ready feel. The updated kitchen features quartz countertops, stainless steel appliances, a gas range, abundant cabinetry, and bar-style seating, while the spacious dining area flows seamlessly into the open living room. Step outside to the private balcony and enjoy the peaceful waterfront setting. The main level…